MORTGAGE CALCULATOR: EASY WAY TO CALCULATE MORTGAGE
KNOWLEDGE FINANCIAL GROUP & INVESTMENT
PO BOX 630672
MIAMI, FL 33163
PO BOX 630672
MIAMI, FL 33163
AS LICENSED MORTGAGE BROKER, LICENSED RELTOR. WE'RE HERE TO HELP & TO SERVE!
CALL Mr. ANTONY AT: 786-709-6577
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HOW TO CALCULATE DOWN-PAYMENT ON A HOME?
The down payment, or amount of cash you'll have to pay toward the actual purchase of a home, is determined by the
lender as a percentage of the value of the house.
1
Step One
Pick up a homes guide from any real estate agent. These are also sometimes available at your local bank, supermarket or newsstand.
2
Step Two
Look through the guide and select a few homes that you like, being reasonable in your selections.
3
Step Three
Know that on most standard loans, lenders require that 20 percent of the value of the home be paid up front.
4
Step Four
Multiply the price of the house you've selected by 0.20. This amount is equal to the 20 percent you'll need to put down on the house.
---------------------------------------------
HOW TO ESTIMATE CLOSING COST ON A HOME?
All those charges, fees and miscellaneous costs sure add up quickly. If you remember the details, you'll have a good idea of what to expect at closing.
Steps
1
Step One
Add up fees for loan processing, document preparation, tax service (to make sure the taxes are paid during the loan), flood service (to make sure the property is
not in a flood zone), loan underwriting and wire fees (the cost of wiring money).
2
Step Two
Include fees for courier service, notary fees, appraisal, credit report and inspection fees.
3
Step Three
Add in the cost of title insurance and escrow fees based on the purchase price and loan amount. (Call a title company to get this information.)
4
Step Four
Remember property taxes. Depending on when the transaction closes, you may have to pay part or all of an installment.
5
Step Five
Include homeowner's insurance - also known as hazard insurance - for a year.
6
Step Six
Add in loan fees or points paid to the lender. (A point equals 1 percent of the loan amount.)
---------------------------------------------------------------------------
HOW TO CALCULATE DEBT TO INCOME RATIO?
Lenders use your debt-to-income ratio (how much you owe on credit cards and loans compared with how much you earn) to help evaluate your creditworthiness.
Steps1
Step One
Add up your total net monthly income. This includes your monthly wages and any overtime, commissions or bonuses that are guaranteed; plus alimony payment
received, if applicable. If your income varies, figure the monthly average for the past two years. Include any monies earned from rentals or any other additional
income.
2
Step Two
Add up your monthly debt obligations. This includes all of your credit card bills, loan and mortgage payments. Make sure to include your monthly rent payments if
you rent.
3
Step Three
Divide your total monthly debt obligations by your total monthly income. This is your total debt-to-income ratio.
4
Step Four
Take action if your ratio is higher than 0.36, which industry professionals would call a score of 36. The lower the better. Any score higher than 36 may cause an
increase in the interest rate or the down payment on a loan you apply for.
-----------------------------------------------------------------------------
DISCLAIMER
This calculator is intended solely for general information and
educational purposes.
It is not intend in any way as financial, securities,insurance,taxes or
legal advice or as a solicitation for any financial..
The result of using this calculator may not be accurate or applicable
with regard to your individual circumstances.
You should not take any action on the basis of the information provided
through this calculator.
The calculator provider and this website assume no duty to you by
making this calculator available and shall not be responsible for any
errors,omissions,or defects,or the consequences of any decisions or
actions taken in reliance upon this calculator.
--------------------------------------------------------------
WAYS TO CALCULATE YOUR HOME MORTGAGE LOAN!
TOTAL MONTHLY GROSS INCOME: Is your total gross annual income divided by 12.
-----------------------------------
ALLOWABLE MONTHLY HOUSING COST: Is the total monthly gross income times by 28%
------------------------------------
MORTGAGE LOAN AMOUNT: Is the home purchase price minus- the down payment
MONTHLY TAXES AND INSURANCE: Is home purchase price multiply by .0025 [local requirements vary]
----------------------------------
TOTAL MONTHLY HOUSING COST: Is the total housing annual payment for P.I.T.I.,
principal,interest,tax,insurance divided by 12.
ALLOWABLE MONTHLY DEBT: Is the total monthly gross income multiply by 36%
TOTAL MONTHLY COST AND RESPONSIBILITIES: Is the total monthly housing cost plus the total other debts
-----------------------------------------------------------------------------------------------------------------
A county budget, - minus non-property revenue divided by assessed value-minus exemption= tax rate.
Assessed value-minus exemption = taxable
value.
Taxable value times mileage rate= property taxes.
Homestead exemption times mileage rate= tax saving.
Principal balance times annual interest rate divided by 12= first monthly payment.
Monthly mortgage payment-minus interest= principal payment.
CALL Mr. ANTONY AT: 786-709-6577
---------------------------------------------------------------------------------------------------------------
HOW TO CALCULATE DOWN-PAYMENT ON A HOME?
The down payment, or amount of cash you'll have to pay toward the actual purchase of a home, is determined by the
lender as a percentage of the value of the house.
1
Step One
Pick up a homes guide from any real estate agent. These are also sometimes available at your local bank, supermarket or newsstand.
2
Step Two
Look through the guide and select a few homes that you like, being reasonable in your selections.
3
Step Three
Know that on most standard loans, lenders require that 20 percent of the value of the home be paid up front.
4
Step Four
Multiply the price of the house you've selected by 0.20. This amount is equal to the 20 percent you'll need to put down on the house.
---------------------------------------------
HOW TO ESTIMATE CLOSING COST ON A HOME?
All those charges, fees and miscellaneous costs sure add up quickly. If you remember the details, you'll have a good idea of what to expect at closing.
Steps
1
Step One
Add up fees for loan processing, document preparation, tax service (to make sure the taxes are paid during the loan), flood service (to make sure the property is
not in a flood zone), loan underwriting and wire fees (the cost of wiring money).
2
Step Two
Include fees for courier service, notary fees, appraisal, credit report and inspection fees.
3
Step Three
Add in the cost of title insurance and escrow fees based on the purchase price and loan amount. (Call a title company to get this information.)
4
Step Four
Remember property taxes. Depending on when the transaction closes, you may have to pay part or all of an installment.
5
Step Five
Include homeowner's insurance - also known as hazard insurance - for a year.
6
Step Six
Add in loan fees or points paid to the lender. (A point equals 1 percent of the loan amount.)
---------------------------------------------------------------------------
HOW TO CALCULATE DEBT TO INCOME RATIO?
Lenders use your debt-to-income ratio (how much you owe on credit cards and loans compared with how much you earn) to help evaluate your creditworthiness.
Steps1
Step One
Add up your total net monthly income. This includes your monthly wages and any overtime, commissions or bonuses that are guaranteed; plus alimony payment
received, if applicable. If your income varies, figure the monthly average for the past two years. Include any monies earned from rentals or any other additional
income.
2
Step Two
Add up your monthly debt obligations. This includes all of your credit card bills, loan and mortgage payments. Make sure to include your monthly rent payments if
you rent.
3
Step Three
Divide your total monthly debt obligations by your total monthly income. This is your total debt-to-income ratio.
4
Step Four
Take action if your ratio is higher than 0.36, which industry professionals would call a score of 36. The lower the better. Any score higher than 36 may cause an
increase in the interest rate or the down payment on a loan you apply for.
-----------------------------------------------------------------------------
DISCLAIMER
This calculator is intended solely for general information and
educational purposes.
It is not intend in any way as financial, securities,insurance,taxes or
legal advice or as a solicitation for any financial..
The result of using this calculator may not be accurate or applicable
with regard to your individual circumstances.
You should not take any action on the basis of the information provided
through this calculator.
The calculator provider and this website assume no duty to you by
making this calculator available and shall not be responsible for any
errors,omissions,or defects,or the consequences of any decisions or
actions taken in reliance upon this calculator.
--------------------------------------------------------------
WAYS TO CALCULATE YOUR HOME MORTGAGE LOAN!
TOTAL MONTHLY GROSS INCOME: Is your total gross annual income divided by 12.
-----------------------------------
ALLOWABLE MONTHLY HOUSING COST: Is the total monthly gross income times by 28%
------------------------------------
MORTGAGE LOAN AMOUNT: Is the home purchase price minus- the down payment
MONTHLY TAXES AND INSURANCE: Is home purchase price multiply by .0025 [local requirements vary]
----------------------------------
TOTAL MONTHLY HOUSING COST: Is the total housing annual payment for P.I.T.I.,
principal,interest,tax,insurance divided by 12.
ALLOWABLE MONTHLY DEBT: Is the total monthly gross income multiply by 36%
TOTAL MONTHLY COST AND RESPONSIBILITIES: Is the total monthly housing cost plus the total other debts
-----------------------------------------------------------------------------------------------------------------
A county budget, - minus non-property revenue divided by assessed value-minus exemption= tax rate.
Assessed value-minus exemption = taxable
value.
Taxable value times mileage rate= property taxes.
Homestead exemption times mileage rate= tax saving.
Principal balance times annual interest rate divided by 12= first monthly payment.
Monthly mortgage payment-minus interest= principal payment.
DISCLAIMER
This calculator is intended solely for general information and educational purposes.
It is not intend in any way as financial, securities,insurance,taxes or legal advice or as a solicitation for any financial..The result of using this calculator may not be accurate
or applicable
with regard to your individual circumstances. You should not take any action on the basis of the information provided through this calculator. The calculator provider and this
website assume no duty to you by
making this calculator available and shall not be responsible for any errors,omissions,or defects,or the consequences of any decisions or actions taken in reliance upon this
calculator.
This calculator is intended solely for general information and educational purposes.
It is not intend in any way as financial, securities,insurance,taxes or legal advice or as a solicitation for any financial..The result of using this calculator may not be accurate
or applicable
with regard to your individual circumstances. You should not take any action on the basis of the information provided through this calculator. The calculator provider and this
website assume no duty to you by
making this calculator available and shall not be responsible for any errors,omissions,or defects,or the consequences of any decisions or actions taken in reliance upon this
calculator.
| |||||||||||
HOW TO CALCULATE MORTGAGE PAYMENTS FOR A
HOME?
There are several components that go into a mortgage payment. Missing
something can lead to an unpleasant surprise.
Instructions
Steps
1
Step One
Calculate the monthly interest/principal paymentbased on the amount of the
mortgage, the term of the mortgage (how many years the loan is for) and the
interest rate. A number of websites offer free mortgage calculators; simply plug
in these components to get this number.
2
Step Two
Determine how much the annual property taxes are on the home, and divide this
number by the number of mortgage payments: 12 if it is a monthly mortgage, 26 if
it is biweekly.
3
Step Three
Determine how much your homeowner's insurance will cost annually and divide
by the number of mortgage payments (as you did above).
4
Step Four
Figure in private mortgage insurance (PMI) if you are required to pay it.
5
Step Five
Add these items - the calculated monthly interest/principal payment, insurance,
taxes and PMI - together to determine your actual mortgage payment.
Tips & Warnings
-------------------------
HOW TO DEDUCT HOME EQUITY LOAN INTERST?
The interest you pay on a home equity loan may be deductible no matter what you
use the money for. The deduction can save you money on your taxes.
HOME?
There are several components that go into a mortgage payment. Missing
something can lead to an unpleasant surprise.
Instructions
Steps
1
Step One
Calculate the monthly interest/principal paymentbased on the amount of the
mortgage, the term of the mortgage (how many years the loan is for) and the
interest rate. A number of websites offer free mortgage calculators; simply plug
in these components to get this number.
2
Step Two
Determine how much the annual property taxes are on the home, and divide this
number by the number of mortgage payments: 12 if it is a monthly mortgage, 26 if
it is biweekly.
3
Step Three
Determine how much your homeowner's insurance will cost annually and divide
by the number of mortgage payments (as you did above).
4
Step Four
Figure in private mortgage insurance (PMI) if you are required to pay it.
5
Step Five
Add these items - the calculated monthly interest/principal payment, insurance,
taxes and PMI - together to determine your actual mortgage payment.
Tips & Warnings
-------------------------
HOW TO DEDUCT HOME EQUITY LOAN INTERST?
The interest you pay on a home equity loan may be deductible no matter what you
use the money for. The deduction can save you money on your taxes.
Step One
Determine if your itemized deductions are greater than your standard
deduction. Mortgage interest, home equity loan interest, state taxes,
property taxes and charitable contributions are the main itemizable
deductions. The standard deduction is $7,200 if married filing jointly,
$6,350 if head of household, $4,300 if single and $3,600 if married filing
separately. If your standard deduction is greater, use it.
2
Step Two
Obtain a Schedule A form if you'll itemize deductions.
3
Step Three
Write in the third section of Schedule A the name of the company to which
you paid home equity interest and the amount of interest you paid during
the tax year.
4
Step Four
Write in the third section of Schedule A the name of the company to which
you paid points or an origination fee to obtain the home equity loan. Only
points you paid on money used for home improvement of your main home
can be deducted in full for the tax year you paid it. You can deduct other
points, but you must amortize.
5
Step Five
Complete the rest of Schedule A.
Determine if your itemized deductions are greater than your standard
deduction. Mortgage interest, home equity loan interest, state taxes,
property taxes and charitable contributions are the main itemizable
deductions. The standard deduction is $7,200 if married filing jointly,
$6,350 if head of household, $4,300 if single and $3,600 if married filing
separately. If your standard deduction is greater, use it.
2
Step Two
Obtain a Schedule A form if you'll itemize deductions.
3
Step Three
Write in the third section of Schedule A the name of the company to which
you paid home equity interest and the amount of interest you paid during
the tax year.
4
Step Four
Write in the third section of Schedule A the name of the company to which
you paid points or an origination fee to obtain the home equity loan. Only
points you paid on money used for home improvement of your main home
can be deducted in full for the tax year you paid it. You can deduct other
points, but you must amortize.
5
Step Five
Complete the rest of Schedule A.
Tips & Warnings
You can deduct home equity loan interest on your first or second homes only - not on any other home, even if you use the money for matters unrelated to
the home.
Amortizing points, which means spreading the deduction out over the life of the loan, requires good record keeping. When you pay off the loan or sell the
home, you can deduct all the points you haven't taken off before.
The yearly limit on the deduction for home equity loan interest is the interest on loans totaling $100,000 ($50,000 if married filing separately). If you used
all or part of the loan for your business, it might be better to elect to treat the debt as unsecured by your residence. In that way, you can write off the
interest as a business expense. But once you make the election, you can't reverse it without Internal Revenue Service approval.
You cannot deduct interest on any amount of the home equity loan that is more than the difference between the market value of the home and your
mortgage debt.
These rules apply to home equity loans taken out after October 13, 1987. Consult with an experienced tax preparer if your home equity loan preceded that
date, you have questions or your situation is out of the ordinary.
A home equity loan may provide a tax benefit, yet may not be worth the risk of losing your home should you need to default on the loan. Remember that a
home equity loan is secured by your home.
WWW.KNOWLEDGEFINANCIAL.COM
You can deduct home equity loan interest on your first or second homes only - not on any other home, even if you use the money for matters unrelated to
the home.
Amortizing points, which means spreading the deduction out over the life of the loan, requires good record keeping. When you pay off the loan or sell the
home, you can deduct all the points you haven't taken off before.
The yearly limit on the deduction for home equity loan interest is the interest on loans totaling $100,000 ($50,000 if married filing separately). If you used
all or part of the loan for your business, it might be better to elect to treat the debt as unsecured by your residence. In that way, you can write off the
interest as a business expense. But once you make the election, you can't reverse it without Internal Revenue Service approval.
You cannot deduct interest on any amount of the home equity loan that is more than the difference between the market value of the home and your
mortgage debt.
These rules apply to home equity loans taken out after October 13, 1987. Consult with an experienced tax preparer if your home equity loan preceded that
date, you have questions or your situation is out of the ordinary.
A home equity loan may provide a tax benefit, yet may not be worth the risk of losing your home should you need to default on the loan. Remember that a
home equity loan is secured by your home.
WWW.KNOWLEDGEFINANCIAL.COM
REAL ESTATE INVESTMENTS
HOME BUYING GUIDE
HOME SELLING GUIDE
RESIDENTIAL & COMMERCIAL
WE'RE HERE TO GUIDE YOU, TO
INFORM YOU! CALL US AT:
786-7096577
HOME BUYING GUIDE
HOME SELLING GUIDE
RESIDENTIAL & COMMERCIAL
WE'RE HERE TO GUIDE YOU, TO
INFORM YOU! CALL US AT:
786-7096577
WELCOME TO:
KNOWLEDGEFINANCIAL.COM
KNOWLEDGEFINANCIAL.COM
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| MORTGAGE LOAN MODIFICATION: SAVE YOUR HOME, SAVE YOUR CREDIT, REDUCE YOUR MONTHLY PAYMENT, AVOID FORECLOSURE. “WE WAN TO HELP YOU SAVE YOUR HOME” DON’T WAIT UNTILL IT’S TOO LATE TO ASK US FOR HELP! WE CAN HELP YOU EXPLORE YOUR OPTIONS… |
REAL ESTATE FINANCING
HOME PURCHASING
HOME REFINANCING
MORTGAGE LOAN MODIFICATION
HOME EQUITY
THAT'S WHAT WE KNOW BEST. CALL US AT:
786-709-6577
HOME PURCHASING
HOME REFINANCING
MORTGAGE LOAN MODIFICATION
HOME EQUITY
THAT'S WHAT WE KNOW BEST. CALL US AT:
786-709-6577
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WHAT GUIDELINES ARE REQUIRED FOR A MORTGAGE LOAN?
Mortgages are used by individuals and businesses wishing to make large value purchase
of real estate without payment the entire value of the purchase up front. Mortgages are also
known as lien against property, or claims on property. Mortgage is a legal agreement that
creates an interest in a real estate property between borrower and the lender.
HOW TO UNDERSTAND THE HOME LOAN PROCESS?
Understand that in order to finance or refinance a loan the lender requires documentation to
verify and substantiate your employment, credit and financial situation to assure its
investors
that you have the ability to repay the MONEY
HOME REFINANCING: 10 GREAT REASONS TO REFINANCE A PROPERTY. NOW IT'S THE
BEST TIME FOR REFINANCING, THE INTEREST RATE IS VERY LOW.
MORTGAGE LOAN MODIFICATION PROGRAMS; AN ALTERNATIVE TO REDUCE MONTHLY
MORTGAGE PAYMENT, TO AVOID FORECLOSURE, TO SAVE YOUR CREDIT RATING, TO
SAVE YOUR PROPERTY.
REVERSE MORTGAGE
NO MORTGAGE PAYMENTS EVER AGAIN: IF YOU OWNED A HOME AS YOUR PERSONAL
RESIDENCE.
TO IMPROVE YOUR QUALITY OF LIFE AND LIVE WITH NO STRESS!
IF YOU'RE 62 YEARS OF AGE OR OLDER, YOU CAN ACHIEVE THIS, THROUGH A REVERSE
MORTGAGE, REGULATED BY THE U.S. GOVERNMENT.
FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST, SECOND, AND OR
THIRD PROPERTY. HOW AND WHERE TO FIND MONEY? CLICK RIGHT HERE!
FHA: F H A MORTGAGE LOANS, THE GOVERNMENT IS THERE TO HELP YOU PURCHASE
YOUR HOME. PLEASE CONTACT US WE WILL SHOW YOU THE WAY .
MORTGAGE LOAN PRE-QUALIFICATION, LOW INTEREST RATES,
8 Reasons to Get Pre-Approved for a Home Loan
Learn why pre-approval is one of the smartest moves you can make when shopping for a
home
Subprime Mortgage
 A type of mortgage that is normally made out to borrowers with lower credit ratings.
As a result of the borrower's lowered credit rating, a conventional mortgage is not offered
because the lender views the borrower as having a larger-than-average risk of defaulting
on the loan.
FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST, SECOND, AND OR
THIRD PROPERTY. HOW AND WHERE TO FIND MONEY? CLICK RIGHT HERE!
RENTAL PROPERTY / COMMERCIAL REAL ESTATE / COMMERCIAL LEASE Tips for Making
Solid Business Agreements and Contracts
Mortgages are used by individuals and businesses wishing to make large value purchase
of real estate without payment the entire value of the purchase up front. Mortgages are also
known as lien against property, or claims on property. Mortgage is a legal agreement that
creates an interest in a real estate property between borrower and the lender.
HOW TO UNDERSTAND THE HOME LOAN PROCESS?
Understand that in order to finance or refinance a loan the lender requires documentation to
verify and substantiate your employment, credit and financial situation to assure its
investors
that you have the ability to repay the MONEY
HOME REFINANCING: 10 GREAT REASONS TO REFINANCE A PROPERTY. NOW IT'S THE
BEST TIME FOR REFINANCING, THE INTEREST RATE IS VERY LOW.
MORTGAGE LOAN MODIFICATION PROGRAMS; AN ALTERNATIVE TO REDUCE MONTHLY
MORTGAGE PAYMENT, TO AVOID FORECLOSURE, TO SAVE YOUR CREDIT RATING, TO
SAVE YOUR PROPERTY.
REVERSE MORTGAGE
NO MORTGAGE PAYMENTS EVER AGAIN: IF YOU OWNED A HOME AS YOUR PERSONAL
RESIDENCE.
TO IMPROVE YOUR QUALITY OF LIFE AND LIVE WITH NO STRESS!
IF YOU'RE 62 YEARS OF AGE OR OLDER, YOU CAN ACHIEVE THIS, THROUGH A REVERSE
MORTGAGE, REGULATED BY THE U.S. GOVERNMENT.
FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST, SECOND, AND OR
THIRD PROPERTY. HOW AND WHERE TO FIND MONEY? CLICK RIGHT HERE!
FHA: F H A MORTGAGE LOANS, THE GOVERNMENT IS THERE TO HELP YOU PURCHASE
YOUR HOME. PLEASE CONTACT US WE WILL SHOW YOU THE WAY .
MORTGAGE LOAN PRE-QUALIFICATION, LOW INTEREST RATES,
8 Reasons to Get Pre-Approved for a Home Loan
Learn why pre-approval is one of the smartest moves you can make when shopping for a
home
Subprime Mortgage
 A type of mortgage that is normally made out to borrowers with lower credit ratings.
As a result of the borrower's lowered credit rating, a conventional mortgage is not offered
because the lender views the borrower as having a larger-than-average risk of defaulting
on the loan.
FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST, SECOND, AND OR
THIRD PROPERTY. HOW AND WHERE TO FIND MONEY? CLICK RIGHT HERE!
RENTAL PROPERTY / COMMERCIAL REAL ESTATE / COMMERCIAL LEASE Tips for Making
Solid Business Agreements and Contracts
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How You Make Money In Real Estate
•Net Operating Income (NOI)
The NOI of a commercial real estate property is calculated by valuating the property's first year gross operating income and then subtracting the
operating expenses for the first year. You want to have positive NOI.
•Cap Rate
A real estate property's "cap" – or capitalization – rate, is used to calculate the value of income producing properties. For example, an apartment
complex of five units or more, commercial office buildings, and smaller strip malls are all good candidates for a cap rate determination. Cap rates are
used to estimate the net present value of future profits or cash flow; the process is also called capitalization of earnings. (Capitalizing earnings is similar
to using a discounted cash flow analysis for companies
Cash on Cash
Commercial real estate investors who rely on financing to purchase their properties often adhere to the cash-on-cash formula to compare first-year
performance of competing properties. Cash-on-cash takes the fact that the investor in question doesn't require 100% cash to buy the property into
account, but also accounts for the fact that the investor will not keep all of the NOI because he or she must use some of it to make mortgage payments.
To uncover cash on cash, real estate investors must determine the amount required to invest to purchase the property, or their initial investment.
•Net Operating Income (NOI)
The NOI of a commercial real estate property is calculated by valuating the property's first year gross operating income and then subtracting the
operating expenses for the first year. You want to have positive NOI.
•Cap Rate
A real estate property's "cap" – or capitalization – rate, is used to calculate the value of income producing properties. For example, an apartment
complex of five units or more, commercial office buildings, and smaller strip malls are all good candidates for a cap rate determination. Cap rates are
used to estimate the net present value of future profits or cash flow; the process is also called capitalization of earnings. (Capitalizing earnings is similar
to using a discounted cash flow analysis for companies
Cash on Cash
Commercial real estate investors who rely on financing to purchase their properties often adhere to the cash-on-cash formula to compare first-year
performance of competing properties. Cash-on-cash takes the fact that the investor in question doesn't require 100% cash to buy the property into
account, but also accounts for the fact that the investor will not keep all of the NOI because he or she must use some of it to make mortgage payments.
To uncover cash on cash, real estate investors must determine the amount required to invest to purchase the property, or their initial investment.
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profitable part of your portfolio.
''THE RULES OF SUCCESS, AND THE NEW RULE OF MONEY.-
''THE RULES OF SUCCESS, AND THE NEW RULE OF MONEY.-